Atlas
Hbmoneytransfer
We are dedicated to establishing ourselves as the global market leader in the money transfer industry. Our mission is to deliver a swift, secure, and cost-effective money transfer experience to all our customers. Through relentless innovation and continuous improvement of our services tailored to customer needs, we aim for excellence. At our core, we are committed to not just meeting but exceeding your expectations, ensuring the fulfillment of every promise we make.
We are dedicated to establishing ourselves as the global market leader in the money transfer industry. Our mission is to deliver a swift, secure, and cost-effective money transfer experience to all our customers. Through relentless innovation and continuous improvement of our services tailored to customer needs, we aim for excellence. At our core, we are committed to not just meeting but exceeding your expectations, ensuring the fulfillment of every promise we make.
Incomegroup
Committed to making pay work better for companies and employees. Making monthly pay into weekly payments with no additional work for payroll.
Committed to making pay work better for companies and employees. Making monthly pay into weekly payments with no additional work for payroll.
Mettle
Mettle is the free mobile bank account by NatWest built for the self-employed
Mettle's designed to give you the freedom to run your business. It's built for small businesses, startups, limited companies and sole traders with UK residency.
We believe there is something different about people who start their own business – a unique spirit that sets them apart. A blend of drive, ambition and self belief – people who have mettle.
So we’ve built an app that embraces that spirit – one that our customers can rely on and makes managing finances as fast and simple as possible.
Mettle is the free mobile bank account by NatWest built for the self-employed
Mettle's designed to give you the freedom to run your business. It's built for small businesses, startups, limited companies and sole traders with UK residency.
We believe there is something different about people who start their own business – a unique spirit that sets them apart. A blend of drive, ambition and self belief – people who have mettle.
So we’ve built an app that embraces that spirit – one that our customers can rely on and makes managing finances as fast and simple as possible.
Onafriq
As a pioneering payments company building the African payments infrastructure for the next 100 years, Onafriq connects businesses to the continent through our global payment network.
We connect over 500 million mobile money wallets, 200 million bank accounts, and 400,000 agents in Nigeria. Our omnichannel network enables domestic and cross-border disbursements and collections, card issuing and processing, agency banking, and treasury services.
By linking mobile money operators, money transfer operators, banks, fintech companies, development organisations, and online and offline merchants to each other, we create a world of financial opportunities.
Our ‘network of networks’, backed by top-notch regulation and offices across Africa and others in the UK, US, and China, sets the stage for simplified access and growth. In 2023, Onafriq was honoured as the Fintech of the Year at the African Banker Awards, a testament to our impact and innovation in the financial sector.
As a pioneering payments company building the African payments infrastructure for the next 100 years, Onafriq connects businesses to the continent through our global payment network.
We connect over 500 million mobile money wallets, 200 million bank accounts, and 400,000 agents in Nigeria. Our omnichannel network enables domestic and cross-border disbursements and collections, card issuing and processing, agency banking, and treasury services.
By linking mobile money operators, money transfer operators, banks, fintech companies, development organisations, and online and offline merchants to each other, we create a world of financial opportunities.
Our ‘network of networks’, backed by top-notch regulation and offices across Africa and others in the UK, US, and China, sets the stage for simplified access and growth. In 2023, Onafriq was honoured as the Fintech of the Year at the African Banker Awards, a testament to our impact and innovation in the financial sector.
Monexeurope
Monex Europe is part of the wider financial services group, Monex S.A.P.I. de C.V. (“Monex”), a global investment-grade financial services institution. Monex is a leading global financial solutions provider, offering a complete set of tools to support business growth and strategic financial operations.
We specialise in FX risk management and international payments, helping corporate and institutional clients design tailored FX solutions to navigate currency volatility with confidence. Our team of FX specialists implement well-considered currency strategies, offering dedicated support to help clients manage their payment needs – whether for goods, services, or direct investments.
Monex Europe is part of the wider financial services group, Monex S.A.P.I. de C.V. (“Monex”), a global investment-grade financial services institution. Monex is a leading global financial solutions provider, offering a complete set of tools to support business growth and strategic financial operations.
We specialise in FX risk management and international payments, helping corporate and institutional clients design tailored FX solutions to navigate currency volatility with confidence. Our team of FX specialists implement well-considered currency strategies, offering dedicated support to help clients manage their payment needs – whether for goods, services, or direct investments.
Pay-quik
PayQuik was started by a group of dedicated entrepreneurs with extensive money transfer experience. After spending over 20 years working at traditional money transfer companies we saw a lot of problems – to put it simply, the majority of money transfer companies have not moved with modern technology and consumer habits. We knew we could do better and so PayQuik was born.
PayQuik was started by a group of dedicated entrepreneurs with extensive money transfer experience. After spending over 20 years working at traditional money transfer companies we saw a lot of problems – to put it simply, the majority of money transfer companies have not moved with modern technology and consumer habits. We knew we could do better and so PayQuik was born.
Pi Pay
We connect customers and merchants in a seamless social and digital environment where security and convenience are guaranteed.
With our easy-to-use Point of Sale systems appearing in more locations each day, customers have ever more opportunity to use the Pi Pay app to support their lifestyles and enjoy deep discounts on the products and services they love.
We also connect customers with their social circles through state-of-the-art chat, voice and video message services, an accurate mapping and friend finder function and a one-touch money transfer service that enables sharing and gift-giving in a secure digital environment.
We connect customers and merchants in a seamless social and digital environment where security and convenience are guaranteed.
With our easy-to-use Point of Sale systems appearing in more locations each day, customers have ever more opportunity to use the Pi Pay app to support their lifestyles and enjoy deep discounts on the products and services they love.
We also connect customers with their social circles through state-of-the-art chat, voice and video message services, an accurate mapping and friend finder function and a one-touch money transfer service that enables sharing and gift-giving in a secure digital environment.
Privat3money
Privat 3 Money is an FCA regulated fintech company established to provide premier finance and wealth solutions for both private clients and corporations.
We offer a frictionless account opening process and access to a state-of-the-art platform. Our customers have access to multi-currency accounts, exclusive metal debit cards and competitive FX rates, as well as our new and exciting trading platform. With the ability to process payments in real time in the UK, USA, and Europe as well as cross border payment facilities, Privat 3 Money is the ultimate solution for the discerning global customer needing a seamless, bespoke and private financial solution.
Privat 3 Money is an FCA regulated fintech company established to provide premier finance and wealth solutions for both private clients and corporations.
We offer a frictionless account opening process and access to a state-of-the-art platform. Our customers have access to multi-currency accounts, exclusive metal debit cards and competitive FX rates, as well as our new and exciting trading platform. With the ability to process payments in real time in the UK, USA, and Europe as well as cross border payment facilities, Privat 3 Money is the ultimate solution for the discerning global customer needing a seamless, bespoke and private financial solution.
Spendee
Spendee gives you the power of unique data analysis in an adaptable environment that automatically and thoroughly analyzes your income and expenses, giving you intelligent advice on how to make the most of your money. See your money analyzed and expressed as informative and easy-to-read infographics.
Spendee gives you the power of unique data analysis in an adaptable environment that automatically and thoroughly analyzes your income and expenses, giving you intelligent advice on how to make the most of your money. See your money analyzed and expressed as informative and easy-to-read infographics.
Steadypay
Unlock the power of embedded lending solutions to enhance your services.
Our Lending as a Service (LaaS) platform integrates seamlessly, allowing you to offer tailored credit services to small businesses and individuals.
Improve their creditworthiness, pre-assess eligibility, and provide access to credit with our advanced open banking risk engine. Battle-tested with high approval rates and low defaults, our white-label lending products are configurable, so you only plug in what you need.
Empower your customers’ financial wellbeing and take your services to the next level.
SteadyPay is authorised and regulated by the UK FCA.
Unlock the power of embedded lending solutions to enhance your services.
Our Lending as a Service (LaaS) platform integrates seamlessly, allowing you to offer tailored credit services to small businesses and individuals.
Improve their creditworthiness, pre-assess eligibility, and provide access to credit with our advanced open banking risk engine. Battle-tested with high approval rates and low defaults, our white-label lending products are configurable, so you only plug in what you need.
Empower your customers’ financial wellbeing and take your services to the next level.
SteadyPay is authorised and regulated by the UK FCA.
Payen
Trustpay Global has a new name and brand identity, Payen.
We believe our new fresh confident look and messaging captures our core values and DNA: Collaboration, Innovation and Simplification
Constant change in the payments world can result in a complex array of decisions to be made. We listen to our clients’ challenges, innovate a solution and then deliver it in the simplest way possible.
Our global approach combined with our own scalable, adaptable technology platform have enabled us to achieve 110% CAG over the last 3 years and become the 9th most profitable high growth company in the Sunday Times Tech Track 100.
Trustpay Global has a new name and brand identity, Payen.
We believe our new fresh confident look and messaging captures our core values and DNA: Collaboration, Innovation and Simplification
Constant change in the payments world can result in a complex array of decisions to be made. We listen to our clients’ challenges, innovate a solution and then deliver it in the simplest way possible.
Our global approach combined with our own scalable, adaptable technology platform have enabled us to achieve 110% CAG over the last 3 years and become the 9th most profitable high growth company in the Sunday Times Tech Track 100.
Unifiedpostgroup
Unifiedpost Group, we revolutionise buying and selling for businesses and governments worldwide, by digitalising financial supply chain processes in our trusted and tax compliant business network.
Our cloud-based open network promotes collaboration, digital interactions, document exchanges, payments and cash flow optimisation. It also enables us and our partners to create additional data-driven services to help organisations grow.
In our trusted network we equip every verified participant with the right tools to digitalise and automate business processes - from payments, to invoicing, to order-to-cash and procure-to-pay. Those tools range from smart mobile and web applications over software integrations all the way to fully documented APIs.
Since our founding in 2001, Unifiedpost Group has grown significantly, expanding to offices in 30+ countries, reaching 1,000,000+ SMEs and 2,500+ corporates.
Unifiedpost Group, we revolutionise buying and selling for businesses and governments worldwide, by digitalising financial supply chain processes in our trusted and tax compliant business network.
Our cloud-based open network promotes collaboration, digital interactions, document exchanges, payments and cash flow optimisation. It also enables us and our partners to create additional data-driven services to help organisations grow.
In our trusted network we equip every verified participant with the right tools to digitalise and automate business processes - from payments, to invoicing, to order-to-cash and procure-to-pay. Those tools range from smart mobile and web applications over software integrations all the way to fully documented APIs.
Since our founding in 2001, Unifiedpost Group has grown significantly, expanding to offices in 30+ countries, reaching 1,000,000+ SMEs and 2,500+ corporates.
Varsoviafx
VarsoviaFX was established in 2013 as a response to the needs of customers wishing to send money to Poland faster, more comfortable and cheaper than through a bank. Despite young age, the company can boast over 100 agencies across the UK and modern website dedicated to fast and easy money transfers
VarsoviaFX was established in 2013 as a response to the needs of customers wishing to send money to Poland faster, more comfortable and cheaper than through a bank. Despite young age, the company can boast over 100 agencies across the UK and modern website dedicated to fast and easy money transfers
ZTL
ZTL provide API building-blocks for system owners to build embedded payment solutions.
• Seamless and smooth one-time onboarding (KYC)
• Immediate access to bank-independent payments
• Cost-effective domestic and salary payments
• Cross-border payments with live FX rates
• Real-time account information
• Full AML/Transaction monitoring
• A "one-stop-shop" for all support
ZTL provide API building-blocks for system owners to build embedded payment solutions.
• Seamless and smooth one-time onboarding (KYC)
• Immediate access to bank-independent payments
• Cost-effective domestic and salary payments
• Cross-border payments with live FX rates
• Real-time account information
• Full AML/Transaction monitoring
• A "one-stop-shop" for all support
ZwipePay
Zwipe believes the inherent uniqueness of every person is the key to a safer future. We work with great passion across networks of international organizations, industries and cultures to make convenience safe and secure.
We are pioneering next-generation biometric card and wearables technology for payment and physical & logical access control and identification solutions. We promise our customers and partners deep insight and frictionless solutions, ensuring a seamless user experience with our innovative biometric products and services. Zwipe is headquartered in Oslo, Norway, with a global presence.
Zwipe believes the inherent uniqueness of every person is the key to a safer future. We work with great passion across networks of international organizations, industries and cultures to make convenience safe and secure.
We are pioneering next-generation biometric card and wearables technology for payment and physical & logical access control and identification solutions. We promise our customers and partners deep insight and frictionless solutions, ensuring a seamless user experience with our innovative biometric products and services. Zwipe is headquartered in Oslo, Norway, with a global presence.
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Choosing Card Processing Provider
What is Payment Provider?
Governments frequently give money to people in need in the form of income assistance, welfare payments, pension payments, humanitarian aid, and other distributions.
Some governments are now turning to digital payments, which may include transferring funds through mobile apps, online transfers, prepaid cards and virtual cards, and other technologies. Often, recipients can also withdraw funds they receive at ATMs and bank branches.
The World Bank explains that digitized government-to-person payments have numerous benefits. Critically, digital payments reduce the time and expenses involved in receiving and redeeming funds. Recipients do not need to pay transportation costs, take time off work, travel in harsh weather conditions, or wait in line to collect their funds.
Card Processing FAQs
Card processing makes it easy to accept payments, stay compliant, and keep your checkout experience smooth for everyone.
How many guaranteed offers do I receive?
Start with your own checkout data, then validate it against market benchmarks. Country- and industry-level insights help identify which methods are dominant in specific regions. PayAtlas aggregate this information through payment method guides and regional breakdowns, making demand patterns easier to compare.
What if I don't select any providers from the initial research?
Cards remain essential globally, but digital wallets and local bank transfers are critical in many regions. Real-time payment methods are now standard in parts of Europe, Asia, and Latin America. Comparing methods by country helps avoid relying on outdated global assumptions.
How many guaranteed offers are available?
A focused selection performs better for most businesses. Experts recommend prioritizing the methods that matter most in each target market.
How is the relevancy of payment providers verified?
Conversion improves when customers see familiar and trusted payment options. Market-specific payment guides and merchant case insights show that relevance often matters more than quantity, especially in cross-border scenarios.
I have more questions. How can I contact the PayAtlas team?
If you have any additional questions, please reach out to info@payatlas.com
Is it possible to request a product demo?
Cards generally have higher chargeback exposure, while bank transfers and real-time payments have lower fraud rates but limited dispute options. Wallets often add extra authentication layers.
